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Barbados

Location: Barbados is an island in the Lesser Antilles. It is 34 kilometers in length and up to 23 km in width, covering an area of 432 km2.

Religion: 95 % Christian

Economy: Barbados is the 53rd richest country in the world in terms of GDP (Gross Domestic Product) per capita, has a well-developed mixed economy, and a moderately high standard of living.

Education: The Barbados literacy rate is ranked close to 100%. The mainstream public education system of Barbados is fashioned after the British model

Barbados Real Estate:

Beautiful coral stone homes, luxury villas, modern resorts, historic plantation houses, regal churches and the modest chattel homes are the hallmark of Barbados.
Leading the Caribbean from the early days of sugar through the Tourism boom and into the offshore Business arena, Barbados has developed a distinctive structure of services and facilities.

With a vibrant economy in a stable setting with excellent infrastructure, it’s an attractive place to live. No wonder that the world's richest families build elegant mansions on the islands shores, movie stars rent villas and companies have discovered its business benefits.

With its warm climate, social and political stability and friendly people, Barbados is the perfect place to purchase that retirement house or holiday home.

Where and What to Buy in Barbados:

Choose from luxury homes and villas to condominiums and town houses the popular beach front property of the West and the South coast is home to splendid luxury villas, while new areas of development and investment are opening in the North and East.

No matter what type and style of property you are looking for, whether rural, beach front or near the hustle and bustle of the Bridgetown I can assist in finding you want you are looking for.

Click the link below for examples of properties that you will find in beautiful Barbados.
For more listings or to ask any questions please contact me directly.

JAMAICA

Location: Jamaica is an island country in the Lesser Antilles with a total size of 10,990 square kilometers.

Religion: Mixed, with Christianity, Catholic and Rastafarianism.

Economy: Jamaica is a mixed economy major sectors of the Jamaican economy include agriculture, mining, manufacturing, tourism, and financial and insurance services. Tourism and mining are the leading earners of foreign exchange. Half the Jamaican economy relies on services, with half of its income coming from services such as tourism. An estimated 1.3 million foreign tourists visit Jamaica every year.

Education: After emancipation the West Indian Commission granted a sum of money to establish Elementary Schools, now known as All Age Schools. Most of these schools were established by the churches. this was the genesis of the modern Jamaican school system.

Jamaica Overview:

Bob Marley may have put reggae and Jamaica on the map, but there’s a reason people visit this jammin’ island over and over again. With its breathtaking beaches, enchanting waterfalls and a captivating musical culture, Jamaica strikes a chord, offering an array of adventures for anyone up for the experience of a lifetime. It’s Jamaica, Mon. You can’t help but relax and enjoy the festivities when you’re on the island. And there’s not a better way to savor the sounds of the island than through the Jamaican people. With their incredible friendliness, zest for creating colorful art, spicy Jamaican jerk cuisine and dance moves that will make even the reluctant hit the dance floor. You're bound to fall in love with this island!

Where and What to Buy in Jamaica

Foreign buyers usually head to the island’s northern coast, where properties are in great demand. The most popular properties are the more well-established ones such as Engrail, St. James and St. Ann, where several golf courses, resorts and beaches are located. Other good areas to invest in real estate include Westmoreland on the southern side of the island, Runaway Bay and Discovery Bay. Countryside areas like Falmouth and the surrounding region are also popular among those who prefer a quieter lifestyle.

No matter what type and style of property you are looking for, whether rural, beach front or near the hustle and bustle of the Kingston I can assist in finding you want you are looking for.

Click the link below for examples of properties that you will find in beautiful JAMAICA.
For more listings or to ask any questions please contact me directly.

Dominican Republic

Currency: As of Aug 2017 $1 CND = $38

Official Language: Spanish

Location: Dominican Republic occupies the eastern five-eighths of the island of Hispaniola. The Dominican Republic is the second-largest Caribbean nation by area (after Cuba) at 48,445 square kilometers (18,705 sq mi), and third by population with approximately 10 million people, of which approximately three million live in the metropolitan area of Santo Domingo, the capital city.

Religion: As of 2014, 57% of the population (5.7 million) identified themselves as Roman Catholics and 23% (2.3 million) as Protestants (in Latin American countries, Protestants are usually called Evangelicos due to them being overwhelmingly Evangelical Protestant or Pentecostal). 95 % Christian

Economy: The Dominican Republic is the largest economy in the Caribbean and Central American region. It is an upper middle-income developing country. Over the last two decades, the Dominican Republic have been standing out as one of the fastest-growing economies in the Americas – with an average real GDP growth rate of 5.4% between 1992 and 2014.

Education: Preschool education is organized in different cycles and serves the 2–4 age group and the 4–6 age group. Preschool education is not mandatory except for the last year. Basic education is compulsory and serves the population of the 6–14 age groups. Secondary education is not compulsory, although it is the duty of the state to offer it for free.

Dominican Republic overview:

The Dominican Republic is the most visited destination in the Caribbean. The island has an average temperature of 26 °C (78.8 °F) and great climatic and biological diversity. Music and sports are of great importance in the Dominican culture, with Merengue and Bachata as the national dance and music, and baseball as the favorite sport. With breathtaking views of the landscape, the Dominican Republic would be the richest country in the Caribbean if its wealth could be measured by its landscape. The Dominican Republic is a dynamic place with its high mountains, fertile valleys and diverse ecosystems

Dominican Real Estate:

Expats on the whole tend to live where other expats live, which is in the north of the country, Puerto Plata, Sosúa, and Cabarete. These towns offer international supermarkets, gated communities, and several international restaurants, along with excellent healthcare. However, the new boom area is the east coast, Punta Cana and Bavaro, which has overtaken the north coast as the main tourist center and has a major international airport with more flights than the north.

No matter what type and style of property you are looking for, whether rural, beach front or near the hustle and bustle of Santo Domingo I can assist in finding you want you are looking for.

Click the link below for examples of properties that you will find in beautiful DOMINICAN REPUBLIC.
For more listings or to ask any questions please contact me directly.

Belize

Currency: As of Aug 2017: $1 CND = $1.60 Belize Dollars

Official Language: English

Economy: Belize has a small, mostly private enterprise economy that is based primarily on export of petroleum and crude oil, agriculture, agro-based industry, and merchandising, with tourism and construction recently assuming greater importance.

Location: Belize is formerly British Honduras, is an independent country on the eastern coast of Central America. Belize is bordered on the north by Mexico, on the south and west by Guatemala, and on the east by the Caribbean Sea.

Religion: According to the 2010 census, 40.1% of Belizeans are Roman Catholics, 31.8% are, 1.7% are Jehovah's Witnesses, 10.3% adhere to other religions

Education: in Belize is compulsory between the ages of 6 and 14 years. As of 2010, the literacy rate in Belize was estimated at 79.7%, one of the lowest in the Western Hemisphere.

Belize Overview:

A combination of natural factors—climate, the Belize Barrier Reef, over 450 offshore Cays (islands), excellent fishing, safe waters for boating, scuba diving, and snorkeling, numerous rivers for rafting, and kayaking, various jungle and wildlife reserves of fauna and flora, for hiking, bird watching, and helicopter touring, as well as many Maya ruins—support the thriving tourism and ecotourism industry. It also has the largest cave system in Central America.

Belize Real Estate:

From the many Cayes to the Cayo district, you’ll be spoiled for choice when it comes to finding somewhere to live in Belize. In Belize you’ll find the best, and cheapest Caribbean, beach living around. If lazy rivers and rolling hills are more your scene, don’t fret…you’ll find these as well. The cost of living can vary, depending on which area you decide on. Choosing where to start over in a foreign land can be difficult, but these few areas are a good place to start if you’re looking for a new life in Belize.
No matter what type and style of property you are looking for, whether rural, beach front or near the hustle and bustle of the main city I can assist in finding you want you are looking for.

Click the link below for examples of properties that you will find in beautiful BELIZE.
For more listings or to ask any questions please contact me directly.

Trinidad

Currency: As of Aug 2017 $1 CND = $5.37 Trinidad Dollars

Official Language: English

Economy: Trinidad is an industrial island with a diversified economy, based to a large extent on oil, natural gas, industry and agriculture. It is one of the leading gas-based export centers in the world, being the leading exporter of ammonia and methanol and among the top five exporters of liquefied natural gas. This has allowed Trinidad to capitalize on the biggest mineral reserves within its territories. It is an oil-rich country and stable economically.

Location: Trinidad is the larger and more populous of the two major islands of Trinidad and Tobago. The island lies 11 km (6.8 mi) off the northeastern coast of Venezuela and sits on the continental shelf of South America. Though geographically part of the South American continent, from a socio-economic standpoint it is often referred to as the southernmost island in the Caribbean.

Education: The education system consists of government funded secondary schools where entry is determined by Secondary Entrance Assessment. S.E.A is the national exam all students write which determines the school they will be allowed into based on their grade in Mathematics, English Grammar, and Creative Writing.

Trinidad Overview:

The twin-island republic of Trinidad and Tobago lies at the south of the West Indian archipelago close to the Venezuelan coast. Trinidad, the larger island, is crossed from east to west by a mountain range which is an extension of the Andes. Tobago is much smaller and has a central, volcanic mountain range.

Trinidad Real Estate:

A new law took effect in Tobago on 16 February 2007 known as the Foreign Investment (Tobago Land Acquisition) Order 2007. The Order states that foreigners must now obtain a license to acquire land for any purpose on the whole island of Tobago.

Permission to buy land does not confer residency. However, if you plan to come on holiday to enjoy your new property, a non-resident is usually allowed up to three months, with or without the need for a visa, which depends on the country of origin. Discretionary extensions can be applied for.

In Port of Spain, Trinidad there are several suburbs where expats tend to live because of their proximity to schools and safety. West of the city, Westmoorings, Goodwood Park and Glencoe are very popular among expats. North and northeast of the city, Maraval, Moka, Cascade and St. Ann are popular choices. Further out of the city to the east, you'll find Trincity.

No matter what type and style of property you are looking for, whether rural, beach front or near the hustle and bustle of the main city I can assist in finding you want you are looking for.

Click the link below for examples of properties that you will find in beautiful TRINIDAD.
For more listings including those in Tobago, or to ask any questions please contact me directly.

Panama

Currency: As of Aug 2017 $1 CND = $.79 Panamanian Balboa

Official Language: Spanish

Economy: Panama's economy, because of its key geographic location, is mainly based on a well developed service sector especially commerce, tourism, and trading. The handover of the Canal and military installations by the United States has given rise to large construction projects.

Location: Panama is a country in Central America. It is bordered by Costa Rica to the west, Colombia to the southeast, the Caribbean Sea to the north and the Pacific Ocean to the south. The capital and largest city is Panama City, whose metropolitan area is home to nearly half of the country's 4 million people.

Religion: The government of Panama does not collect statistics on the religious affiliation of citizens, but various sources estimate that 75% to 85% of the population identifies itself as Roman Catholic and 15%–25% as Protestant

Education: In 2010, it was estimated that 94.1% of the population was literate. Education in Panama is compulsory for the children of age group between 6 and 18. In recent decades, school enrollment at all levels, but especially at upper levels, has increased significantly. Panama used to participate in the PISA exams but due to debts and unsatisfactory exam results is postponing participation until 2018.

Panama Overview:

In Panama, nature is all about discovery. Explore the ruins of Spanish forts on the Caribbean coast or boat deep into indigenous territories in a dugout canoe. Wildlife is incidental: a resplendent quetzal on the highland trail, an unruly troupe of screeching howler monkeys outside your cabin or a breaching whale that turns your ferry ride into an adrenaline-filled event. Adventure tourism means zipping through rainforest canopies, swimming alongside sea turtles or trekking to sublime cloud-forest vistas. One small tropical country with two long coasts makes for a pretty big playground.

Panama Real Estate:

The dazzling blue coastline and shimmering skyscrapers say Miami, though many joke that you hear more English spoken in Panama. Panama City is culturally diverse and driven, rough-edged yet sophisticated. There's much that's new or improved. Central America's first subway is ready, the historic Casco district is renovated and a massive canal expansion nears completion.

No matter what type and style of property you are looking for, whether rural, beach front or near the hustle and bustle of the main city I can assist in finding you want you are looking for.

Click the link below for examples of properties that you will find in beautiful PANAMA.
For more listings or to ask any questions please contact me directly.

COSTA RICA

Currency: As of Aug 2017 $1 CND = $460 Costa Rican Colon

Official Language: Spanish

Economy: The country has been considered to be economically stable with moderate inflation, estimated at 2.6% in 2017

Location:
Costa Rica is a country in Central America, bordered by Nicaragua to the north, Panama to the southeast, the Pacific Ocean to the west, the Caribbean Sea to the east, and Ecuador to the south of Coco’s Island.

Religion: Christianity is Costa Rica's predominant religion.

Education: The literacy rate in Costa Rica is approximately 97 percent and English is widely spoken primarily due to Costa Rica’s tourism industry.

Costa Rica Overview:

Costa Rica is a rugged, rain forested Central American country with coastlines on the Caribbean and Pacific, Costa Rica is known for its beaches, volcanoes, and biodiversity. Roughly a quarter of its area is made up of protected jungle, teeming with wildlife including spider monkeys and quetzal birds.

Costa Rican Real Estate:

Unlike some of the other countries, foreigners have the same rights when purchasing land in Costa Rica as locals do. You can own property outright in your own name or in the name of your corporation. You do not need a local partner, except in cases of beachfront concession property, where special rules apply.

No matter what type and style of property you are looking for, whether rural, beach front or near the hustle and bustle of the main city I can assist in finding you want you are looking for.

Click the link below for examples of properties that you will find in beautiful Costa Rica.
For more listings or to ask any questions please contact me directly.

FLORIDA

Currency: As of May 2018: 1 CND dollar is .776 US

Official Language: English

Location: About two-thirds of Florida occupies a peninsula between the Gulf of Mexico and the Atlantic Ocean. Florida has the longest coastline in the contiguous United States, approximately 1,350 miles (2,170 km), not including the contribution of the many barrier islands

Religion: Mostly Christian

Economy: The Gross Domestic Product (GDP) of Florida in 2016 was $926 billion.Its GDP is the fourth largest economy in the United States. In 2010, it became the fourth largest exporter of trade goods

After suffering through two brutal winters, it is hard to believe the weather man is predicting this upcoming winter is going to start earlier, last longer, be colder and snowier, than any winter in recent memory.

Isn’t it about time you made your dreams of owning a vacation home in sunny Florida a reality?

The beaches are covered in sugary white sand, the oceans are tropical blue, the palm trees sway in the warm ocean breezes, or you can stay home and freeze!

Buyers coming both the US and from other countries understandably have a fair amount of apprehension about buying Florida Real Estate, not knowing the process. Whether you are a US Citizen or a global buyer, the process is nearly the same.

For global buyers, there are a few more considerations surrounding movement of money, perhaps, but that’s about all. If the buyer is a cash buyer then these minor complications are reduced. If the deal is to be financed there are a few more hoops to jump through.

But overall the process of purchasing real estate in Florida is as simple and straightforward as any home purchase in America. It just requires an agent who is a good steward of the process, and has experience making sure all the due processes are observed speedily and efficiently.

Financial Information

STEPS TO BUYING SUCCESS

CANADIANS NEED TO KNOW

STEP 1: DECIDING WHAT YOU WANT

Logically, the first step to finding the right home is to determine what you’re actually looking for. There are a lot of homes on the market at any one time, and looking at them all is not the best way to spend your time.

To make your home search more efficient, ask yourself these three focus questions:

1. Where do I want to live?
This is your first decision. What communities or neighbourhoods do you want to consider? Is it important to be near schools, shopping centres, recreation facilities, places of worship, hospitals, or other amenities? Will you require public transportation?

2. What type of home do I want?
What style of home is best for you? It could be a detached, a semi-detached, a bungalow, a split-level, a two-storey, a duplex, a townhouse — the options are endless! You may also want to consider your ideal lot size and the age of the home.

3. What are my must-haves and deal-breakers?
What are the most important features for you in a home? A basement? A garage? A pool or a fireplace? How many bathrooms? Bedrooms? Do you have family members with special needs? What do you absolutely not want in a home? Refer to the “MY DREAM HOME” worksheet in the Resources Section at the back of this ebook for a detailed list of home options..

STEP 2: GET PRE-APPROVED FOR A MORTGAGE

When it comes to buying a home, getting pre-approved for a mortgage is a very important step. Not only does it help you understand exactly how much you can afford to spend on a home, but it often allows you to lock in an interest rate for a perioid of time which could potentially save you thousands of dollars for years to come.

Here are 4 simple steps to a mortgage pre-approval:

1. Talk to a mortgage specialist.
Whether it’s your bank mortgage specialist or an independent mortgage broker — talk to someone with expertise who can help you compare rates and terms as there are hundreds of options to choose from. Note: A 2014 report by the Canadian Association of Accredited Mortgage Professionals suggests that more home buyers are choosing fixed-rate mortgages for their purchases (74%, compared to 20% who had a variable or adjustable rate, and 6% who had a combination mortgage rate)

2. Complete an application to find out how much you qualify for.
There are many factors that go into determining your eligibility for a mortgage. Two of the primary practices are calculating your GDS (Gross Debt Service) and TDS (Total Debt Service) ratios. These factors determine how much you can comfortably afford to spend based on your downpayment, income and other financial obligations.

3. Gather your financial information to finalize pre-approval.
Your bank or mortgage professional will require documentation to support your application such as income and downpayment verification to finalize the pre-approval process.

4. Get a copy of your pre-approval.
This is a powerful negotiating tool. It’s extremely frustrating for sellers to lose a sale because of financing. A pre-approved buyer means sellers have one less thing to worry about. Even though many offers are conditional on financing, the seller of your dream home will see you as a more attractive buyer when they know you are pre-approved.

STEP 3: AGENT OR NO AGENT?

Most buyers today work with a real estate agent rather than go at it alone for many reasons. In most cases, your home is your most valuable asset, and it makes sense to use a professional. A great real estate professional will provide key market insights, sound advice and save you endless hours of time and money — all while helping you reduce the stress of a large purchase so you can truly enjoy the experience of buying your dream home.

Top 5 Reasons Why Most Homebuyers Choose to Work with a Real Estate Professional

1. It’s free.
In almost all cases, commission is paid by the seller so having an agent working for you is essentially free.

2. Avoid overpaying for a home.
If you’re like most buyers, you want to know, with certainty, that you are paying a fair price. Quite often, sellers overprice their homes to “see what happens.” A great real estate professional will educate ou on the price of current competitive properties as well as similar homes that have been recently old to help you make an informed decision on how much to offer for your dream home.

3. Represent and protect your interests as a buyer.
In any transaction, it’s important to understand that the seller’s agent is bound by contract to work in the best interests of his/her sellers. As a buyer, you also need representation (an agent), someone to work exclusively In your best interests. Engaging the services of a real estate professional to assist you in the home buying process

means you now have someone to work solely in your best interests to provide you with:

Confidential advice that addresses your needs first.

Loyal and diligent “full disclosure” care, FREE from any conflicts of interest.

Access to all listings including MLS®, bank-owned properties, distress and estate sales, even homes that were previously on the market where the seller might still be interested in selling.

Expert advice on useful clauses such as home inspections and financing to protect you fully.

Expert negotiation of the offer to purchase, to achieve the best possible price and terms.

Expert advice on market value, inclusions, location, as well as help you decide when you should walk away.

Discovery and disclosure of all information about the property including liens, warranties, disclosures, seller’s purchase price, market and planning activity in the area.

4. NEGOTIATE the best price and terms of your most valuable asset.
Negotiating requires expertise and skill, period. A great real estate professional is a masterful communicator with expert negotiating skills who’s job is to help you decide what to offer, what to include, what to give up and most importantly, when to walk away if reasonable terms cannot be reached.

5. Manage the countless details and mountainous paperwork.
Ensuring the i’s are dotted and t’s are crossed and that no balls are dropped from start to finish (and after) is a heavy load off any buyer’s plate. From the moment of engagement, your agent will ensure smooth sailing and guide you effortlessly through any obstacles along the way.

STEP 4: START SEARCHING

Now the fun begins! Most searches begin online. In fact over 90% of buyers start their home buying process on the internet. The most comprehensive website for property searches is Realtor.ca, a Canada-wide database of all active properties for sale, also referred to as the MLS® or Multiple Listing Service. This website allows you to narrow your search to a specific area, price range, key features and even displays the properties on a map. The internet can be very helpful for you to get a sense of what’s available but keep in mind, it’s not a complete picture of the market or all potential properties available. A great agent, working on your behalf, will do an indepth needs analysis to find all the properties suitable for you, set up a time to view the homes and guide you through the selection process.

HERE’S WHAT YOU CAN’T SEE ONLINE

1. Homes in hot markets that haven’t made it online yet.
These are desirable homes in great areas, at great prices that often get sold before a property listing is loaded online. The only way to know about them is through an agent.

2. Expired listings or private sales not found on MLS®.
A saavy real estate professional is on the pulse of all potential
homes for sale, listed and unlisted.

3. Insight and an insider’s edge.
An agent not only has access to more data than what is available online, but he/she brings expertise and a wealth of knowledge so you can be confident in knowing you have a complete picture of each property you are considering.

STEP 5: MAKE A SMART OFFER & NEGOTIATE

You have found a house you love. Fantastic news! Here’s how the offer process typically works:

Step 1 Decide on price, terms and conditions.
Your agent will conduct a Comprehensive Market Analysis (CMA), complete with comparable active and expired listings, recent solds, and other historical data to determine the market value of the home. This is extremely helpful when it comes to negotiating a fair price. You also need to decide on a closing date and if there will be any conditions of the offer such as home inspection, appraisal, water tests etc. Your agent will guide you.

Step 2 Prepare the offer.
Your agent will create a legal document (Agreement of Purchase and Sale) that protects you, follows your instructions, and matches your schedule and needs. Of note, many tech saavy, eco-friendly agents today are using the convenience of paperless transactions. E-signatures are becoming more and more common today for their ease of use and online, secure document storage.

Step 3 Review the offer.
Your agent explains the details and terms of the offer, and suggests options for specialty clauses so that you know exactly what you are agreeing to.

Step 4 Present the offer.
Your agent will present and negotiate the offer on your behalf.
What happens next? One of three things:
1. The seller accepts your offer. Congratulations!
2. The seller rejects your offer. This isn’t common, but it can happen and your agent will work to find out why.
3. The seller countersigns.

Changing the terms of the offer, and presents the offer to back to you. Your agent will continue to negotiate on your behalf to reach agreeable terms. Your agent will also advise you if it’s clear that an agreement cannot be reached and it’s time to walk away.

STEP 6: CONDITION REMOVAL & INSPECTION

Okay, you have agreed on the price and terms and now have a firm or a conditional offer in place. If you have conditions,

now is the time to start the process of satisfying them in order to meet the deadline and firm up your purchase.

One of the most common conditions of an offer today is home inspection. Home inspections allow you to scrutinize the

details of the home and potentially save you from any unpleasant surprises.

HOME INSPECTION TIPS

Choose a qualified professional. A member of an association can reassure you are getting an experienced, knowledgeable professional.

Ensure the home inspector checks for visible issues with plumbing, electrical systems, roof, insulation, walls, ceilings, floors and windows, and the condition of the foundation. They can also check that the home includes chattels like furnaces and air conditioners, are in working order.

Ensure your home inspector gives you a close and personal look at your new home. It takes about three hours to go through all the systems, and if there are any problems, you will see them with your own eyes. They will also give you maintenance tips and easy fix-ups, if necessary.

Ensure that in the end, you receive a detailed report that summarizes the condition of your home.

STEP 7: PREPARING FOR CLOSING DAY

Typically you will have anywhere from 30 to 90 days before closing day. The closing date can be the same as your move-in date, however, this is not always possible. Check with your lawyer or agent to find out when your keys will be available on
the clo sing date. It is normal that the exchange of money and title be complete before keys are released which could be late in the day. Remember, this is an exciting time! Being organized well in advance will pave the way for a much more enjoyable journey.

Here are a few details to take care of before your closing date:

Legal Stuff and Paperwork You and your agent will need to provide your lawyer with all the necessary documentation for your purchase. Your agent usually takes care of the agreement, waivers, survey and any other purchase documents. However, you may need to provide your lawyer with some additional information: insurance, down payment information, adjustment payments, and other signed documents your lawyer may request.

Down Payment and Closing Costs Make the necessary arrangements to have these funds available a week prior to closing or when the lawyer has requested funds.

Moving Arrangements & Change of Address Whether you are using professional movers, renting a truck, or getting a bunch of friends together, plan and organize it early.

Property Insurance Arrange for home insurance before closing and request a proof of insurance at your financial institution in advance. Provide your insurance agent with the listing information and details such as age of the house, pool or no pool, type and condition of the roof, condition of the furnace, electrical and type of exterior.

Utilities Contact the local utilities to coordinate the change of billing on closing. Including phone, internet, cable, gas, electricity, water, and any rental agreements. Don’t forget to cancel the services at your old address.

Schools Inform your children’s old and new schools about the move and arrange any necessary record transfers.

Some of My Services

My Service approach ...

Requres that as your real estate agent, I be held to a higher standard! In today’s real estate world, you need a real estate agent who is …

- a competent professional with integrity,
- an interpreter of data,
- a consultant and advisor
- a professional negotiator who ensures that not just
the price, but the terms and conditions of your complex deal
are well managed
…thinking of Buying?
…thinking of Selling?
… thinking about the questions that follow?
- How much will my property sell for?
- How long will it take to sell?
- What will the ‘Agent’ do to sell my property?
- What are the steps in the selling or buying process?

My Service Courtesy Standards

When I page a fellow REALTOR®, I leave my full name and office.|

(“Hiya, Joey boy! Call Bob!” doesn’t cut it. Who the heck’s Bob?)

I Promptly return phone calls

Realtors who don’t return calls (or answer e-mails) are not only rude, they are standing in

the way of business getting done and damaging their reputation and career.

If I say that I will call someone by a certain time, I call!

I avoid making late-night phone calls about things that can wait until the morning

Some people go to bed earlier than you and don’t appreciate being woken up.

If it’s too late to call a client, it’s too late to call a colleague.|

Realtors® sleep too. Respect and consideration for my fellow Realtors® is worth more than making

a phone call . . . or even a sale.

I do not make “urgent” phone calls or leave “urgent” messages unless the matter is really urgent. Remember the boy who cried, “Wolf!” one time too often.

If a seller I’ve been in touch with decides to list with somebody else, I respect that decision!

A professional attitude on my part generates future business for me than sniping about the competition in

the here and now. I strongly disagree with negative advertising or attack strategies. I take the high road.

I do not badmouth competition

I speak respectful and professional about competition.

I treat people’s time with respect.

I arrive on time and if I am running late or have to cancel an appointment, I politely advise the other party

as soon as possible. (Remember: Do unto others...!)

If I have an appointment to show a house and the plan changes, I promptly inform the home owner

The owner might be sitting inside, waiting. The polite thing to do make an apology to the owner. He may

not be happy, but at least he can get on with his life … and you will have done the decent thing. If the

same thing happens and the owner is not at home, I call and leave a message, letting him know that the

house was not viewed.

Insurance Services

Insurance is needed

Even if you're in good health, an unexpected illness or injury could require you to pay out-of-pocket if you don't have health insurance. If you're uninsured and unexpectedly require surgery or other emergency care, your expense will be for the full amount of the services, which could be thousands of dollars.

Insurance is important

In most cases, the expenses incurred after an accident, disability, or death of a wage earner are beyond any savings or wealth that a person may have accumulated. For this reason insurance is an important component of your financial planning.

Insurance protects you and your family:

In most cases, your family depends on your financial support to enjoy a standard of living, which is why insurance is especially important once you start a family. It means the people who matter most in your life are protected from financial hardship if the unexpected happens.

Reduce Stress during Difficult Times

Nobody can see the future. Yet, unforeseen tragedies are part of life. Protect your family by putting insurance in place. Your family’s financial stress will be reduced, and they can focus on recovery and rebuilding their lives.

Enjoy Financial Security

No matter what your financial position is today, an unexpected event can see it all unravel very quickly. When the unfortunate happens, insurance offers financial assistance to help you and your family to move forward.

Peace of mind

Losing a loved one is a traumatic experience. No amount of money can replace your loved one or the role you play in your family. But you can at least have peace of mind knowing that if anything happens to you, your family’s financial security is assisted by insurance.

A legacy to leave behind

Insurance is a way to reassure your family that you have done everything possible to provide for their needs, protect their standard of living, and secure their financial and educational future. You also have the option of leaving a legacy behind by donating to a charitable organization you wish to support.

Type of Insurances:

Life Insurance

Accidental Death and Dismemberment

Property Management

We help our clients to invest in the Canadian real estate market. Enjoy hassle-free income without worrying about the maintenance and upkeep of your investment property.

Assistance with tax preparation, submission, and payment to the Canada Revenue Agency (CRA)

Other services as required related to the property.

Annual report to the property owner

Real Estate

Today’s trend finds most youth in their prime working years are focused on career development/advancement, marriage, family formation, and entertainment. With these activities and responsibilities, they usually do not contemplate and invest their income in a way that can help them gain significant financial goals by their mid professional life.

Our goal is to provide an opportunity to high and medium income salaried individuals to invest in the Canadian Real Estate market. Canarabia will help you purchase your property and maintain it, while you enjoy rental income and increased property value.

Why invest in the Canadian real estate market?

Canada has one of world’s most secure, transparent, and advanced electronic real estate systems for sales, purchases, and leases. All transactions are fully monitored and controlled as per Canadian laws. Lawyers are involved in the transfer of land title and property ownership. Due to a healthy economy and sound immigration policies, professionals, refugees, and business people around the world are migrating to Canada. This creates a continued demand for residential and commercial properties. A steady growth in residential and commercial property is expected in future.

Privacy Policy

Privacy Policy for Property416.com and its Associated Realtors Services
Effective Date: November 20, 2017
Your Privacy Rights
This Privacy Policy describes your privacy rights regarding our collection, use, storage, sharing and protection of your personal information. It applies to the Property416 and its associated Realtors website and all related sites, applications, services and tools regardless of how you access or use them.

Scope and Consent

You accept this Privacy Policy when you sign up for, access, or use our products, services, content, features, technologies or functions offered on our website and all related sites, applications, and services (collectively “Property416 and its associated Realtors Services”). This Privacy Policy is intended to govern the use of Property416 and its associated Realtors Services by our users (including, without limitation those who use the Property416 and its associated Realtors Services in the course of their trade or business) unless otherwise agreed through contract. We may amend this Privacy Policy at any time by posting a revised version on our website. The revised version will be effective as of the published effective date.

Collection of Personal Information

We collect the following types of personal information in order to provide you with the use of Property416 and its associated Realtors Services, and to help us personalize and improve your experience.
Information we collect automatically: When you use Property416 and its associated Realtors Services, we collect information sent to us by your computer, mobile phone or other access device. The information sent to us includes, but is not limited to, the following: data about the pages you access, computer IP address, device ID or unique identifier, device type, geo-location information, computer and connection information, mobile network information, statistics on page views, traffic to and from the sites, referral URL, ad data, and standard web log data and other information.
Information you provide to us: We may collect and store any information you provide us when you use Property416 and its associated Realtors Services, including when you add information on a web form, add or update your account information, participate in community discussions, chats, or dispute resolutions, or when you otherwise correspond with us regarding Property416 and its associated Realtors Services.
When you use Property416 and its associated Realtors Services, we also collect information about your transactions and your activities. In addition, if you open a Property416 and its associated Realtors account or use Property416 and its associated Realtors Services, we may collect the following types of information:
Contact information, such as your name, address, phone, email and other similar information.
We may also collect information from or about you from other sources, such as through your contact with us, including our customer support team, your results when you respond to a survey, your interactions with members of the Property416 Team and its associated Realtors corporate family or other companies (subject to their privacy policies and applicable law).
You may choose to provide us with access to certain personal information stored by third parties such as social media sites (e.g., Facebook and Twitter). The information we may receive varies by site and is controlled by that site. By associating an account managed by a third party with your Property416 and its associated Realtors account and authorizing Property416 and its associated Realtors to have access to this information, you agree that Property416 and its associated Realtors may collect, store and use this information in accordance with this Privacy Policy.
Using Your Mobile Device: We may offer you the ability to connect with Property416 and its associated Realtors Services using a mobile device, either through a mobile application or via a mobile optimized website. The provisions of this Privacy Policy apply to all such mobile access and use of mobile devices.
How We Use the Personal Information We Collect
Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized real estate services. We may use your personal information to:
provide Property416 and its associated Realtors Services and customer support;
send notices about your information requests
verify your identity, including during account creation and password reset processes;
improve the Property416 and its associated Realtors Services by customizing your user experience;
measure the performance of the Property416 and its associated Realtors Services and improve their content and layout;
provide targeted marketing and advertising, provide service update notices, and deliver promotional offers based on your communication preferences;
contact you at any telephone number you provide on registration, by placing a voice call or through text (SMS) or email messaging;
We may contact you via electronic means or postal mail to notify you regarding your account, to troubleshoot problems with your account, to resolve a dispute, to collect fees or monies owed, to poll your opinions through surveys or questionnaires, or as otherwise necessary to service your account.
Additionally, we may contact you to offer promotions, and inform you about Property416 and its associated Realtors Services and the services of our corporate family.
Finally, we may contact you as necessary to enforce our policies, applicable law, or any agreement we may have with you.
Where applicable and permitted by law, you may decline to receive certain communications.

Marketing

We do not sell or rent your personal information to third parties for their marketing purposes without your explicit consent. We may combine your personal information with information we collect from other companies and use it to improve and personalize Property416 and its associated Realtors Services, content, and advertising. If you do not wish to receive marketing communications from us or participate in our ad-customization programs, simply indicate your preference by logging into your account and going to the Notifications section and updating your preferences, or by following the directions that may be provided within the communication or advertisement. You may unsubscribe at any time from our mailing lists or email communications.
We respect your communication preferences. If you no longer wish to receive notifications please contact us using the Contact Us page and let us know.

How We Protect and Store Personal Information

Throughout this Privacy Policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been made anonymous so that it does not identify a specific user.

We store and process your personal information on our computers where our facilities are located. We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls and data encryption, physical access controls to our data centers, and information access authorization controls.

How We Share Personal Information with Other Property416 and its associated Realtors Users

When transacting with others, we may provide those parties with information about you necessary to complete the transaction, such as your name, account ID, contact details. The receiving party is not allowed to use this information for unrelated purposes, such as to directly market to you, unless you have agreed to it. Contacting users with unwanted or threatening messages is against our policies and constitutes a violation of our policies.

How We Share Personal Information with Other Third Parties

Law enforcement, government officials, or other third parties pursuant to a subpoena, court order, or other legal process or requirement applicable to Property416 and its associated Realtors or one of its affiliates; when we need to do so to comply with law or credit card rules; or when we believe, in our sole discretion, that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate violations of our policies.

How You Can Access or Change Your Personal Information

You can review and edit your personal information at any time by logging in to your account and
reviewing your account settings and profile. You can also close your account through the Property416 and its associated Realtors website. If you close your Property416 and its associated Realtors account, we will mark your account in our database as "Closed," but may retain personal information from your account for a certain period of time and disclose it in a manner consistent with our practices under this Privacy Policy for accounts that are not closed. We also may retain personal information from your account to collect any fees owed, resolve disputes, troubleshoot problems, assist with any investigations, prevent fraud, enforce our policies, or take other actions as required or permitted by law.

How You Can Contact Us about Privacy Questions

If you have questions or concerns regarding this Privacy Policy, you should contact us via the “Contact Us” Page on this website. Thank you.

Residential Real Estate Services

It would be my privilege to be of service in helping you buy, sell or rent your next home.

1. Determine your needs and wants

By determining exactly what you are looking for in a home, we will be able to glide through the home buying process. This will allow us to be more efficient by only searching for properties that fit your criteria.

2. Helping you get pre-qualified financing

This is another crucial step in the home buying process. I will assist you in getting a pre-qualified mortgage. This is important as it shows how much you can afford, and what your estimated monthly payments will be. As well, it shows your seriousness which will give you an edge when making an offer to a seller.

3. Home Shopping

I will use every method and resource available to me to help you find the home of your dreams. Using your specific criteria and parameters, we will be able to narrow down the search and gather other important information that may affect your decision. Once you are ready to move forward, I will help you write an offer to the seller, keeping your best interests in mind.

2. Purchase and sale of commercial property for investment or end-use. Let my expertise by on your side when you purchase or sell plazas, apartment buildings, medical buildings, hotels/motels, development land, etc. My team of seasoned professionals are ready to help.

Commercial Leasing

There are no shortcuts to finding good quality, long term tenants to fit your space and compliment your existing tenant mix. I use my extensive list of contacts, combined with maximum advertising and exposure to help you achieve your goals. Call me today for an evaluation of your commercial rental property.

Seller Tips

There are a million different reasons why people sell their homes, but every seller has one thing in common: the desire to get as much money as possible from their existing residence as quickly and as hassle-free as possible. (If your home is your principal residence, you won't have to pay capital gains tax on any profits from the sale. If, on the other hand, it is an investment property, prepare for the tax man!) Before you begin the selling process, really evaluate why you're moving. Do you have too few rooms, or too many? Has your job moved to another city and you're relocating? Are the neighbours driving you away? Or are you simply looking for a change? A complete analysis of your current position will set a good foundation for your next home hunt.

Buy or Sell First?

Buy or sell first? That's tricky. After all, if you find a purchaser for your existing home, before you've found a new one, you may find yourself living out of a suitcase if convenient closing dates cannot be negotiated. On the other hand, if you find your dream home before you have sold your existing home, you may be faced with carrying two mortgages for a time. So how do you manage? Easy. Do your homework and have a good idea about the neighbourhood and type of home you're looking for. Do an honest evaluation of your family's needs and budget. Speak to your sales representative and start your new home search as soon as your existing home hits the market. If you've found a home, before you've sold your existing one, use "sale of your existing home" as a condition on your offer. If you don't sell your house within a fixed period of time, you can choose not to go through with the offer. This, however, is a difficult condition for many vendors to agree upon and you may find that you have to forgo your price negotiating power. Purchasing a home before you sell could be a risky strategy if you're counting on the proceeds from the sale. If you've found a purchaser before you've found your next home, use "purchase of a new home" as a condition when you sign back the agreement. Again, it will only be for a fixed time. Even if you have not found the ideal next house by the time the deal closes, you may still wish to proceed with the offer. As a buyer with a "sold house" you will be in a better position to negotiate

Make Your House More Sellable

While we all believe that our home is our castle, our personal tastes may not appeal to everyone. Your sales representative will work with you to give you an impartial analysis of your home - how it relates to other "competing" homes on the market and how your home reflects current design and style trends. Your sales representative will also take a good look at the general condition and upkeep of your dwelling. Overall, your sales representative will work with you to position your home on the market so that your sales experience will take place as expeditiously as possible.

Advertise Your Home on Various Internet Real Estate Portals

Your home will be advertised on many Internet Real Estate Portals to ensure that the details of your home will be seen by a large number of potential buyers.

Arrange Showings

In addition to giving your home the once over with a mop and dust cloth, have your sales representative prepare a home feature sheet. This is a one-page synopsis of your home that highlights lot size, room dimensions, features and upgrades as well as utility costs and taxes. Prospective buyers will take a sheet and refer to it while viewing your home. Plus, it makes for a great reference sheet when the buyers are comparing properties. The Open House: This is usually not a pleasant experience. The upside is that you usually won't have to be there to act as a guide. The downside is that you might have a series of open houses over a few weeks, with people poking through all areas of your home. And you'll have the constant pressure of keeping your home looking its best. The Viewing: When a sales representative has a client who is interested in your home, they will first call to make an appointment with your sales representative. If you're lucky, you'll have time for the last-minute tidying. Of course, you can say no if the prospective purchaser wishes to come at an inconvenient time. During the viewing, make sure you give the viewer and the sales representative a feature sheet and get the sales representative's business card. Give viewers the freedom to wander around your home by themselves. Following may make them uncomfortable. The sales representative will stay with the prospects to offer some protection against theft or property damage.

Choosing the Right Sales Representative

our sales representative is a trained professional who knows all aspects of the real estate market. A sales representative will save you time, money and aggravation. As with purchasing a home, you want to list with the sales representative who is the expert in your location. After all, potential purchasers will be calling this same "area expert" to inquire about houses for sale. There will be a few sales representatives who are knowledgeable about your neighbourhood. Call them up and interview them. You need to feel comfortable with him or her, after all, they will be working for you.

Should You Go With a Non-Exclusive or Exclusive Listing Arrangement?

If you enter into this type of arrangement with your sales representative, you are giving him or her the exclusive right to find a purchaser for your home. With this type of agreement, no other sales representative will bring potential buyers to your home, because only the listing sales representative is entitled to the commission. You may consider this type of arrangement in a Sellers' Market during which time there are more people interested in purchasing a home than there are homes available.

Understand Market Conditions

The real estate market is in constant flux, not only as a whole but in particular areas as well. Knowing what is going on in the overall and local real estate markets will help you understand how these conditions can affect the sale of your home. We've designed the following comparison to help give you an overview of the three significant market positions. When you meet with your sales representative, ask about the current state of the market.

Buyers' Market:

The supply of homes on the market exceeds demand.Characteristics: High inventory of homes. Few buyers compared to availability. Homes usually stay on the market longer. Prices are stable or perhaps dropping. Implications: Buyers spend more time looking for a home, and when they negotiate, they usually have more leverage.

Sellers' Market:

The number of potential buyers exceeds the supply of homes on the market. Characteristics: There is a smaller inventory of homes with many buyers. Homes sell quickly. Prices usually increase. Implications: Prices may be higher or perhaps climbing. Buying decisions must be made quickly. Conditional offers may be rejected.

Balanced Market:

The number of homes on the market is roughly equal to the demand. Characteristics: Demand equals supply. Sellers accept reasonable offers. Homes sell within a reasonable time period. Prices generally remain stable. Implications: There is less tension among buyers and sellers. There is a reasonable number of homes to choose from.

Simple Home Improvements that will help you clean up

It simply makes sense to clean up both the interior and exterior of your home before listing it for sale. But that doesn't mean you have to undertake major home renovation projects on order to sell your home. With a little effort you can increase the perceived value of your home by a great margin. Here are some simple things to keep in mind that you can do to increase the perceived value of your home and make the perfect first impression.

Exterior of Home

Keep lawns cut

Trim hedges and bushes

Weed and edge gardens

Clear driveway and clean stains

Clean out garage

Power wash home exterior

Touch up paint

Plant colorful flowers

At The Front Door

Clean porch and foyer

Ensure doorbell works

Repair any broken screens

Fresh paint or varnish front door

Repair any damages to the door and/or locks

Setting the Right Mood

Make sure your home smells fresh and clean

Turn on lights

Turn on air conditioner/heater

Open the drapes

Light the fireplace

Maximize Open Space

Clear halls and stairs of clutter

Clear kitchen counter and stove top

Clear closets of unnecessary items

Remove empty boxes and storage

Put away personal photos so buyers can envision the house as theirs

Maintenance

Repair leaking taps and toilets

Clean furnace and filters

Tighten door knobs and latches

Repair cracked plaster

Apply fresh coat of paint or touch up where necessary

Clean and repair windows

Repair seals around tubs and basins

Replace defective light bulbs

Oil squeaking doors

Repair squeaking floor boards

Squeaky Clean

Clean and freshen bathrooms

Clean fridge and stove

Clean around heating vents

Clean washer and dryer

Clean carpets, drapes and window blinds

Eliminate pet odors and stains

Closing the Sale

losing is a time of packing and organization. Be sure you do not pack anything that you agreed to sell! Unless you specifically mentioned certain fixtures, everything must remain in place. You are responsible for handing over the home in the same condition it was at the time of closing. This applies to everything that was in the agreement. If the home suffers a major disaster, you are responsible for telling the buyer, at which point the buyer may walk away from the deal and have the deposit returned. The buyer may also choose to close and receive any insurance proceeds. In this unfortunate event, remember not to make any repairs until you find out what the buyer wants to do.

The Closing

Once signing the agreement, both the seller and buyer are under a legal obligation to close. If you decide not to for whatever reason, the buyer has the right to sue. If the buyer decides to walk away from the deal, you can claim the buyer's deposit or sue for damages.

Buyer Tips

Getting Started

The first question you're bound to ask is, "How much home can I afford?" That depends on a number of factors: Your selected location. Are you set on a specific area? Downtown? The suburbs? A rural setting? Your preferred type of home. Detached? Semi? Duplex? High-rise? Link? Townhouse? New or Resale? There are a variety of home styles you will want to explore. Your income. After all, it's not just the mortgage you have to take into account. There are property taxes, utilities, and in some cases condo or strata fees. As a general rule of thumb, your monthly home-carrying cost should not exceed 30-35% of your income. Market conditions. Is it a buyers', sellers' or balanced market? There are also additional costs to keep in mind. It's a good idea to work out exactly what you want and what you can afford before you begin the search. Be specific! After all, you don't want to suddenly come to the realization that your dream house has come with a nightmare of bills and expenses. Stick to looking at houses in your price range. The more you've thought it out, the better your sales representative can meet your needs. A part of deciding just what you can afford can be accomplished by meeting with your bank or a mortgage broker and negotiating a pre-approved mortgage. There are many types of mortgages and many different terms. Research all of your options. This ensures that there are no surprises once you're ready to make an offer. Once you've figured out your monthly expenses and what you can afford, you can start your search. It could happen that the first home you see is the one you want; or you might look at home after home with none of them catching your interest. Rest assured, the home you're looking for is out there, and when you find it, you're ready to make an offer. If your offer is accepted, the next steps are closing and moving into your new home. Purchasing a home is easy once you put your plans into action.

Your Buyer Team and Their Roles

Sales Representatives

A real estate sales representative is a professional who can save you time and trouble. And possibly even a lot of money. You see, real estate sales representatives have the home buying experience most people lack. They know all of the steps and they are good negotiators who will work on your behalf.

A sales representative will:

Fine-tune your wants/needs list

Get special computer access to listing information

Screen houses so as not to waste your time

Arrange appointments

Offer helpful advice about the neighbourhood

Introduce you to trusted contacts who should be on your team, such as mortgage brokers, lawyers, and home inspectors.

Above all, find a real estate sales representative who is a professional in the type of home you're looking for. A country home professional may not be the urban market specialist you need. And when speaking with your sales representative, be as clear as possible about your needs

Contractors

If you've decided to do some renovations on your home to make it more sellable, it's time to look for a credible contractor. Before anyone begins work on your home, it is important to do your homework.

1. Ask for Referrals

Your architect will make recommendations Your sales representative will offer some suggestions Contact friends or neighbours who have had similar work done Ask at your local builder supply store When you're interviewing contractors, ensure their credibility. Contact their references. Ask to see some samples of the contractor's work and speak to his clients to ensure that they were satisfied with the price, length of time in which the project was completed and overall, how the project was handled. Also, check with your local Better Business Bureau. Once you have the names of a few contractors that look promising, arrange to get estimates from them. By arranging for three quotes you'll get a good idea of the costs and quality of work. When going over the project with your contractor, ensure that he understands your needs and your budget. Each contractor will have a different idea on how to approach the work and they should inspect your home before giving an estimate. If contractors are bidding based on an architect's plans, be certain that they have detailed their approach to the job based on the drawings. What's more, if there is a significant difference in the price, ask the contractors to explain their estimates. And keep in mind that the lowest price is not always the best. A price that's too low may mean that the contractor has undercut to get the project and then may submit additional project costs once the project is underway. As well, a high price doesn't always mean that you're getting gouged. The contractor may have budgeted for higher quality materials and may offer workmanship that is of an overall better quality. In every case, before you sign the contract, be certain that it is as detailed as possible to the point of noting the specific finishes and brand names of the products to be installed.

2. Evaluating a Quotation

Are the specific details of the project outlined?

Are the specific costs detailed?

Is there a provision for extra costs?

Has a cap been set for the total project?

Is there a firm project timeline?

Has the contractor allotted time for inspections?

Have you indicated that you wish to see all material receipts?

Will the work be subcontracted?

Appraisers

Hiring an appraiser to appraise the value of property you are considering to buy may seem sensible but it is highly unnecessary. Your lender will want their own personal appraiser anyway, so you could be wasting valuable money. As well, most sales representatives are competent and can do a "Comparative Market Analysis" for you, to establish a value range. The only situation where hiring an appraiser would become necessary is where the property is unusual with no comparable sales.

Lenders

The true test for a buyer is "What else can we buy for the same or less money?" In short, a lender is anyone who will give you money. There are private lenders and institutional lenders, like banks and credit unions. Even your brother-in-law can be your lender. Of course, when you're looking for a lender, you' re looking for a long-term relationship and terms and rates which are beneficial to you. You really have a few options. You should go to a mortgage broker who will search the mortgage market for the best rates and conditions based on your circumstances. Usually the broker is paid by the lender without cost to you. However, the cloudier your credit history, the more likely there will be a fee! A good mortgage broker will be connected to all major lenders through the mortgage market. You can also do your own search. With a good credit history, it's really not that complicated. Pick up your newspaper and you'll see what the different lending institutions are offering. Find the institution you feel you would be most comfortable with, and one that offers the terms and conditions you're looking for. Then, go in person and negotiate your best deal. We'll go into more detail about this process in the arranging a mortgage section.

Mortgage Brokers

This is a person who will do the leg work in finding the institution which offers the mortgage terms and conditions that are right for you. Much like an insurance broker, this professional works for you and can offer you an unbiased referral. Although most brokers are paid a finders fee by the lender, some will charge 2% of the total mortgage to find you a lender.

Lawyers/Notaries

A lawyer is there to represent your interest, and to process the documentation required. The legal aspects differ from province to province. Your sales representative can recommend lawyers to advise you on the steps to be taken before the keys to your new home are presented to you. A lawyer helps ensure you are protected!!!

Home Inspectors

Have the home inspected! Whether you make it a condition of purchase or not, having the property pre-inspected by a qualified home inspector will give you the added confidence that you've made the right decision. Be very careful to verify the qualifications of your home inspector because there are no government standards or licenses for home inspectors. Some home inspectors in Canada do not have any form of accreditation. For your protection make sure your home inspector is a member of (PACHI) or (OAHI). This is your assurance that they have met their education requirements, have the experience and carry E & O Insurance.

Insurance Brokers

You'll want to make sure your property and valuables will be covered. A broker offers independent advice and can save you time, trouble and money. Plus, the bank will insist that you carry full insurance since your property is used as collateral against your mortgage.

Mortgage Types

Conventional and High Ratio Mortgages

To qualify for a conventional mortgage, you simply have to have a 20% down payment of the purchase price, with the mortgage not exceeding 80% of the appraised value. If your down payment is less than 20%, then you qualify for a high-ratio mortgage. This type of mortgage requires loan insurance, which can cost an additional 0.6% to 4.50% of the mortgage amount. With this type of mortgage you could also be limited to a maximum house price.

Second Mortgage

Of course, if you cannot add on to your mortgage, you may consider a second mortgage. Each mortgage uses your home as security and gives the mortgagee the right to take your home if you default on your loan. The first mortgagee gets paid first in cases of default and has the best chance of recovering all of its money. So it only goes to figure that subsequent mortgages usually come with a higher interest rate.

Mortgage Features

Every lending institution is different, and each will have their own customizable mortgage options. When you're hunting for a lender and a home, see how the following features could be beneficial to you.

Prepayment

This is a wonderful option if you receive regular bonuses or if your income fluctuates throughout the year. With a pre-payment privilege, you have the right to make payments toward the principal portion of your mortgage over and above the monthly payments. A mortgage with a pre-payment option is closed. An open mortgage means you can pay the entire principal sum without notice of bonus.

Portability

If you still have time remaining on that fantastic loan you negotiated, portability is one option you'll want to discuss with your lender. Quite simply, it means transferring the balance of your current mortgage at the existing rates and with the existing terms and conditions, to your new home.

Assumability

Let's say that the vendor has negotiated a dynamite mortgage. With an assumable mortgage you, the purchaser, simply assume the obligations of the mortgage. This is a wonderful feature especially if the terms are more favourable than the existing market conditions would allow. Remember, when it is time for you to sell, you may still be liable for any mortgage you allow the buyer to assume. This means if the buyer stops making payments, you could be accountable for the payments. Be sure to have the subsequent buyer approved for the assumption of the payments, thereby avoiding this potential land mine.

Expandability

If you need additional funds down the road, will your mortgage terms allow you to increase the principal amount? Usually, your new rate will be a blended amount of the initial mortgage rate and the prevailing rates. It's a great option to discuss with your lender if you foresee large expenses in your future like renovation or education costs.

Mortgage Types

Mortgage Term

Over the course of your amortization period, you may have many different mortgages. The term is simply the length of time that interest rates, payment schedules and obligations to the lender exist. When the term comes to a close, you will have the option to renew your mortgage at your current or new lending institution. You can also put a lump sum toward the principal without restriction, or pay off your entire mortgage without penalty. If you wish to change the structure of your agreement during the term you may have to pay a substantial fee to the lender.

Choosing Security or Flexibility

Mortgages are available with closed, open and convertible options, with fixed or variable rates. The options you choose will reflect your beliefs about the market -- is it going up or down? -- and your short-term goals and desire for long-term security.

Amortization

This is the amount of time over which the entire debt will be repaid. Most mortgages are amortized over 15-, 20-, or 25-year periods. The longer the amortization, the lower your scheduled mortgage payments, but the more interest you pay in the long run.

Open Mortgage

This type of mortgage offers a great deal of flexibility, as it can be repaid in part or full at any time without penalty. This is a great mortgage if you believe interest rates are moving down or if you plan to move in the near future. The term may be limited to six months or one year.

Closed Mortgage

Here the interest rate is fixed for the full term of the mortgage, and you will have to pay a penalty to change the agreement conditions. This type of mortgage is ideal for buyers who suspect that interest rates will rise and who are not planning to move in the near future. This type of mortgage is usually available in a wide variety of terms.

Convertible Mortgage

With this mortgage, you'll enjoy the same peace of mind as a closed mortgage, plus the flexibility to convert to a longer closed mortgage at any time without penalty. If you think rates will drop, this will allow you to wait until you feel they have hit bottom, or if rates rise, you can lock in.

Additional Costs

Before you calculate the amount of your down payment and determine what you can afford, it's a good idea to set aside a few thousand dollars to cover the extra costs that seem to spring out of nowhere. Here is an overview of costs you could encounter. The good news is that not all of them will apply.

Property Taxes

If the Vendor has paid a portion of the taxes in advance, you will be responsible for reimbursing the Vendor on closing. Plus, if you have a high-ratio mortgage, your lender may require that you have your property taxes added to your mortgage payments.

Utility Fees

Utility fees are calculated through a meter so you will be responsible for paying what you have used up on the meter

Land Transfer Tax

This applies in most provinces and ranges from 1% to 4%. For instance, in Ontario, you'll pay 1% of the first $55,000 - $250,000 and up to 2% of any amount over $400,000.

Survey Fee

Your lender will require an up-to-date survey. You can make it a condition of the Offer to Purchase that the Vendor provide a survey, or you will have to have one done. If there is no survey available, you may purchase "Title Insurance" in lieu of a survey which saves you about $500 - 700.

Appraisal Fee

A basic appraisal usually costs under $250.

Property Insurance

Your lender will insist that you have insurance on your property because your home is used as security for the mortgage.

Service Charges

You'll be charged for telephone, cable and a variety of other services that you hook up at your new home.

Lawyer (Notary) Fees

Each real estate transaction requires the assistance of a legal professional to review the Offer to Purchase, search the title, draw up the mortgage documents and take care of the details on the day of closing. Lawyers fees range widely depending on the complexity of the transaction. Ask your sales representative to recommend a lawyer. And remember, fees can be negotiated.

Mortgage Loan Insurance Premium and Application Fee

Mortgage loan insurance will be necessary if you have a high-ratio mortgage (less that 20% down payment). The application usually costs $75 with a valid appraisal, otherwise it's $235. The actual insurance premium will range from .5% to 3.75% of the purchase price and is added onto the mortgage.

Mortgage Broker Fee

Some brokers may charge as much as 2% of the total mortgage to find you a lender. In most cases though, the broker is paid by the lender. Buyers with good credit should not have to pay a fee.

Moving Costs

Whether you've decided to do it yourself or hire a moving company, now is the time to budget for the costs involved.

Condominium Fees

These monthly fees vary from complex to complex. The fees are applied to everything from grounds keeping and carpet cleaning to security personnel and health club maintenance. Depending on the type of structure, these fees will usually be a few hundred dollars.

Status Certificate

If you're moving into a condominium (complex not necessarily a high-rise) this certificate outlines the condominium corporation's financial and legal state. It will cost you up to $100, usually paid for by the seller if agreed to in the Offer to Purchase.

Home Inspection Fee

For around $300, depending on the size of your home, you'll receive a complete written report about the condition of the structure. Do your research and hire a reputable firm

Renovation and Repairs

Your home inspection may indicate the need for some general repairs or a major project. Have some money set aside, particularly if you are purchasing an older home.

Redecoration

Your taste will be different from the previous owner. Set aside money to paint and wallpaper. Prepare a list of things you can live with, for now, and decorating faux pas that need immediate alteration.

Water Quality Certification

If you are purchasing a home with a well, you'll want to ensure the quality of the water. This will cost approximately $50 to $100.

Making an Offer

When it comes time to make an offer, your Real Estate Sales Representative can provide current market information which will aid you in presenting your offer. Your Sales Representative will communicate the offer, sometimes known as an Offer to Purchase, to the seller, or the seller's representative, on your behalf. Sometimes there may be more than one offer on a property. Your Sales Representative will guide you through this process as smoothly and effortlessly as possible.

Firm Offer to Purchase

Usually preferred by the seller because it means that you are prepared to purchase the home without any conditions. If the offer is accepted - the home is yours.

Conditional Offer to Purchase

Usually means that you have placed one or more conditions on the purchase, such as "subject to home inspection", "subject to financing" or "subject to sale of buyer's existing home". The home is not sold until all the conditions have been me

Acceptance of Offer

Your Offer to Purchase will be presented at the earliest possible opportunity. The seller may accept the offer, reject it, or submit a counter-offer. The counter-offer could be in reference to any number of factors, including the closing date and/or the purchase price. The offers may sometimes go back and forth until both parties have agreed upon an offer or until one or the other ends the negotiations.

WHY USE AN ABR®

Buying a home is no small matter. Besides being the largest financial transaction you may ever
undertake, it’s probably also the most complex. There are many good reasons to work with a
qualified real estate professional—especially a trained professional who has earned the Accredited Buyer’s Representative (ABR®) designation, representing best-in-class buyer services.

When you look for an ABR® before you look for a home, you’ll be served, not sold. Your
interests become their interests. And you’ll be working with someone who has gone the extra mile by completing specialized training in delivering the best in buyer-representation services. Plus, a REALTOR® who has an ABR® designation also has an established track record, with proven experience in representing the concerns of home buyers.

The ABR® designation is awarded through the Real Estate Buyer’s Agent Council, or REBAC,
which was founded in 1988 to promote superior buyer-representation skills and services. REBAC is an affiliate of the National Association of REALTORS® (NAR).

Don’t just list it without any advance preparation. A few minor touch-ups can go a long way towards making a favorable impression on potential buyers—and perhaps cinching a deal.

“Put your buyer’s hat on and walk thru your home like it is the first time,” says Marilou Young, an Accredited Staging professional and an Associate Broker with Virtual Properties Realty in the metropolitan Atlanta area.

“Make notes on what you, as a buyer, would notice,” Young advises, “and then repair or replace those items.”

Some of her top recommendations include getting rid of clutter, hiding family photos, cleaning out closets, removing excess or oversized furniture, and cleaning.

These tips are among the 21 top ways to prepare your home for a sale. Let’s look at the others:

Clean, clean, clean.Dust on top of the fireplace mantle and fan blades, polish your appliances and faucets, and give the windows a thorough washing. If you’ve already moved out or if you’re too busy to stay on top of things, consider hiring a cleaning service to stop by every couple of weeks.

Pay attention to smells.
“Don’t cook bacon in your home the day of a showing,” advises Rachel Weinberg, a broker at Wright Kingdom Real Estate in Boulder, Colorado. “Although it might taste great, the smell is strong and lingers for a long time. You don’t want your home to smell
like a fast food restaurant!”

Clear out the clutter.You want buyers to focus on how awesome your space is, not how messy it looks. Banish that piles of shoes from the entry, that stack of mail from the kitchen table and anything else that detracts from your home’s gorgeous features.

Repaint the walls neutral colors.
As much as you love your dramatic red dining room, it could turn off a good portion of your buyers. So repaint your rooms in neutral tones like tans and whites that allow buyers to focus on the spaces themselves, not the color of the walls.

Keep the décor simple.
To help buyers imagine themselves in your space, get rid of any art or other décor that might turn off people with
different tastes. A classic landscape painting? Totally fine. Your zebra print leather couch? Might want to slip cover that for showings.

Get rid of personal items.Buyers want to be able to envision themselves in your home, so remove anything overly personal, like family photos in the hallway or your kids’ artwork on the fridge.

Let there be light!Open up all the windows to let in natural light and add floor or table lamps to areas that are dim. A bright, cheery room looks bigger and more inviting.

Bring nature inside.
Potted plants or a few pretty buds in a vase can help bring energy into a space, fill in empty corners and even draw
attention to features you want buyers to notice. Just make sure the plants are in good health (and bug-free!).

Get rid of bulky furniture.Your furniture should fit the scale of the room, so get rid of any extra or oversized items that could make your space look smaller than it really is.

Organize your closets.
Storage space is a huge selling point, and if your closets are stuffed to the brim, buyers will think you don’t have
enough of it. Invest in some boxes, dividers and other solutions that will help you make your stuff look more organized, and remove extra items
you don’t need immediately (you can stow them away until you move).

Tackle that honey-do list.All those little things you’ve been meaning to do but never got around to? Buyers will notice them, and they’ll detract from the value of your home. So set aside a weekend to tighten those loose doorknobs, fix that leaky faucet and paint over the scuffs from when you first moved in your sofa.

Do a faux “renovation.”
Little tweaks can make a big difference in the overall feel of a room. Kitchen a little outdated? Replace the fixtures,
faucets and hinges. Family room furniture beaten up? Throw some slipcovers over it.

Give each room a purpose.
That spare room you’ve been using as an office / guest room /dumping ground won’t help sell your home unless you show buyers how they can use it themselves. So pick a use (office, guest room, crafts room) and clearly stage the space to showcase that
purpose.

Turn the bathroom into a spa.
Create the feel of a relaxing, luxurious bath —for less than $30. Stack a few pretty washcloths tied with ribbon, add some scented candles and faux plants, and buy bathmats and towels in coordinating tones such as light green, blue and white.

Close the toilet!
When it comes to both showing and photographing your home, this little trick can make a surprising difference.

Turn the living room into conversation central.
Help buyers picture themselves relaxing with family and guests by grouping your furniture into arrangements that inspire conversation.

Keep the flow going.
The last thing you want is people bumping into furniture as they tour your home; it disrupts their focus and makes your
space look cramped. Do a dry run as though you’re seeing your home for the first time and tweak anything that interrupts the “flow.”

Make something yummy.Realtors don’t put out fresh cookies at open houses just to treat buyers; a “homey” smell like baking cookies or bread can help people connect with a kitchen. Not a baker? Fake it with a scented candle.

Make it look “lived in” with vignettes.Help your buyers see themselves in your home by adding deliberate vignettes that showcase how your home can be lived in. An inviting armchair and a tray with a coffee cup and book can turn that empty corner into a reading nook. Pretty soaps in a decorative tray can make your tiny half-bath more appealing.

Highlight focal points.Draw buyers’ eyes towards any special features with bright colors or accents like plants. A pop of red throw pillows can draw a buyer’s attention to that lovely window seat. A striking fern on the mantle can show off your fireplace.

Boost the curb appeal.
Don’t spend all your time indoors. More than one buyer has decided not to even enter a home based on its curb
appeal, so make sure your home’s exterior looks excellent. Trim your shrubs, weed your flower beds, fix any peeling paint and keep the
walkway clear. Just adding a row of potted plants along the walkway or a cheerful wreath to your front door can make a big difference.

Staging your home, we can help
Or
Help is on the way to

Rental Process in Ontario-Canada

Any Tenant looking to Rent or Lease any residential property in Ontario- Canada, should prepare to the landlord or Landlord Agent the following 3 documents:

If you have any issues to get the online report, please contact EquaFax Technical Support at this number 1-866-828-5961
Note: If you have any issues getting the online credit check report even after you contact the Technical Support, they will ask you to Fax them your 2 pieces of ID to double check that you are the right person but this will take around 2 weeks to verify.
Best thing is to visit them in person with 2 pieces of ID at this address: 5700 Yonge St-Level 4, Toronto, ONT

2. Employment Letter with last 2 pay stubs from your employer and must be most recent not old letter.

3. Rental Application to be provided by real estate agent to the Tenant.

Interested in Real Estate Career

Client Appreciation

One of my favourite to-do's in real estate is showing gratitude towards my clients. I strive towards building and strengthening relationships with people who have hired me to help them sell and/or buy their home(s). In that respect, every year I like to treat their family to a Toronto Raptors basketball game. 3 seats to a game of their choice! Thank you to all my clients: past - present - future! You are the reason to why I work extra hard and go that extra mile!!!

Investors

In the market to buy investment properties? We can help. Simply an investment in real estate is to generate income from purchasing a property. Usually investors own multiple properties of which one will be their residential property. The rest of the properties will generate income for the investor.
The investments can grow two fold.

Renter will pay down the mortgage leaving you equity build up based on how long the property is rented for

Price appreciation will add more equity to the above as time goes by

Before you buy:

Are you ready? It’s very important that an investor do their due diligence before deciding to invest in real estate. Some of the areas investors should look into are

Required down payment.

Type of property.

Rental income.

Return on Investment.

Affordability.

Ongoing serviceability of the property.

Tax implications.

Mortgage qualification.

A prospective investor should look into the above before deciding on purchasing an investment property.

Sam The Real Estate Man can answer any of the above questions and more.

New Immigrants

Are you new to Canada? We have a long history of helping new comers buy their first dream home. We understand that as New Comers you want to settle down as quickly as possible so that you can give the stability and assurance to your family.

We can make the home buying process easy for you. We will guide you with the type of property you should buy based on your family size and income. That’s why we have put together a New Comers Home Buying Package.

New Comers service package:

We will sit with you and discuss the type of property you should buy based on the following:

Employment & Income.

Required down payment.

Type of property you should buy based on your Mortgage Pre-qualification.

Type of neighborhood

Easy access to transportation.

Information on Schools if you have children

Feel free to give Sam The Real Estate Man a call at 416 845 0021 for an appointment to find out more.

Assignments

What is an assignment?

An assignment is where a seller is selling the interest in a property to a buyer. This happens when a buyer who holds an agreement with a developer promising to purchase the property (Condominium, Town House or a Freehold property) in the future when the developer has completed the construction.

If the original buyer of the property decides to sell the interest to another at a profit then the original buyer becomes the seller.

When you purchase a property on assignment from the original buyer you will not be able to renegotiate the price or other terms with the developer. The price and terms of the contract has already been agreed by the person who bought the property originally.

When buying an assignment, here are some points to consider:

Will the developer allow an assignment?

Fees charged for an assignment?

What was the down payment given to the developer?

What are the terms and conditions of the contract?

How much will the legal fees be?

How much are the development charges?

If you have bought a new home, town house or a condo from a developer and want to sell prior to closing we can help.

Our assignment service can find you a buyer for your property.

Assignment Sales

I Specialize in Assignment Sales of Brand New Homes.

Which means huge Savings for the Seller and Profits for Buyer both. Take advantage of this opportunity and call me for details on all the assignment homes I have available .

What is An Assignment sale?

An Assignment is a legal sales transaction whereby the Original Purchaser (the "Assignor") of a property sells, and thereby transfers, their rights and obligations under the original contract to a new Purchaser (the "Assignee").

What is the benefit of Assignment sale the new buyer/Assignee?

There can be several:

The new buyer may be able to buy into a desirable neighbourhood at a time when there are no more units available to be purchased directly from the builder; Even taking the original buyer’s profit into account, the assignment may give the new buyer a price advantage over other properties that are currently on the market; and Depending on the timing of the assignment, the new buyer may be positioned to choose finishes and make minor changes to the yet-to-be-built home

When there’s a shortage of listings in the resale market this adds to your options Less people are looking at these type of listings, meaning less competitionYou get to avoid bidding wars and paying more than you can afford just to outbid another buyer

You get a brand new house without having to wait 2 to 3 years for the building to be completed. Often occupancy is couple of months away

What is the Benefit of Assignment Sale to the Original Buyer/Assignor?

There can be several:

Sometimes, the original purchaser doesn’t have the funds or can’t get the financing to complete the sale, and it’s cheaper to assign the contract to a new purchaser, than it is to renege on the sale.

Assignment sales are common with speculative investors who buy pre-construction properties with no intention of closing on them. In these cases, the investors are banking on quick price appreciation and are eager to lock in a profit now, vs. waiting for the original closing date.

Get your deposit back and lock in your profit sooner

Avoid paying land transfer taxes

Avoid paying HST

Maximize your return if prices are declining and you expect them to continue to decline

Coming Soon

Team Grewal

Search exclusive access to new listings before they go to MLS Realtor.ca

Gain free access to see the latest listings for sale that are uploaded to the Team Grewal before they are viewable by the general public. We have a large inventory of properties that are undergoing listing preparations such as home staging, videography and professional photography. This is an amazing opportunity to find your dream home or investment property.

Sign up to unlock hidden inventory of upcoming listings before they hit the market!

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Which area do you wish to buy in:

Your Home Sold at a Price Acceptable to
You or I Buy it for Cash

Your biggest dilemma when buying another home is deciding whether to buy first or sell first. Either way is risky because you could wind up owning two homes or none at all.
Well, our Guaranteed Sale Program solves this dilemma. You see, BEFORE you even list with me, I prepare a total market analysis of your home, including a computerized printout of all comparable home sales and current listings in the area. Using this information, together we determine a market value for your home. This also determines your guaranteed price and list price which you receive upfront and in writing before I begin to market your home. Think of this as a better than risk free insurance policy. When you receive this guaranteed price from me in writing, you will have the security of knowing that your home is guaranteed to sell.

This is a really important guarantee for you as a homeseller, and you win no matter what happens. Let me explain:

In the unlikely event that your home does not sell within the 120 day period, I will buy your home myself for the upfront guaranteed sale price we set together

But you’re doubly protected, because if you receive an offer on your home that is higher than the guaranteed sale price, you get the higher offer, not me.

So I’m taking all the risk. You know your home will sell, and you know you will always get to benefit from the highest offer (whether it’s my guaranteed sale price, or a higher offer from an outside buyer).

When you access my Guaranteed Sale Program, you can look for your next home with much greater peace of mind. When you see a home that you like, you can immediately place a firm cash offer since you now know how much your home will sell for and when you will get the money.

The best part about my Guaranteed Sale Program is that you eliminate the usual stress and worry that most homesellers have: no conditional offers, no emotional roller coaster, no chance of getting stuck owning two homes. My Guaranteed Home Sale Program makes the house hunting process a lot more fun because you know your home is guaranteed to sell.

Get instant access to a free special report that explains how my Guaranteed Sale Program can benefit you by completing the form on this page.

Dave Has the Buyers

Dave has over 767 Buyers in his Database
Dave may already have the Buyer for Your Home.

They are READY to BUY NOW!!!

To Discuss how Dave can Sell Your Home Fast and for Top Dollar

Call Dave Merat NOW at 647-984-9694

Your Home SOLD at a Price Acceptable to You GUARANTEED or Dave will Buy It!*
*Seller and Dave Merat must agree on price and closing date.

Dave GUARANTEE's, in writing, that your home will sell at a Price Acceptable to You or Dave will Buy It!* No Gimmicks.

Your Home Will Sell For Up To 5.13% More – Dave sells home for 5.13% more than his competitors. That could be thousands right in your pocket!

Your Home Will Sell 50.53% Faster – Dave Merat on average sold homes in 9.6 days on the market while the average agent took 19 days

Dave has the Buyers . . . Dave has over 767 Buyers in his database. Dave may already have a Buyer for Your Home Right Now!

While every agent will promise to sell your home...Dave GUARANTEES IT!
To find out how much Dave will sell your home for and how long it will take fill out the form on this page

Referral Network

Your Referrals Help the Children

We are on a mission to raise $10000 for the TORONTO SICK KIDS FOUNDATION! We do this by donating portion of our income. As you know Sick Kids does great work in helping kids survive nasty debilitating disease and cancers, like Non- Hodgkin’s Lymphoma, Leukemia and other life threatening diseases. Kids under their care are 300% more likely to enter into remission If they can get into the recovery Centre. BUT, the recovery Centre Depends on Sponsorships and Donations.

So, YOUR REFERRALS REALLY DO HELP THE KIDS.

Please pass on our contact info to those you know considering buying or selling a home.

Not only will they benefit from our award winning service, since we donate a portion of our income from home sales to
SICK KIDS HOSPITAL TORONTO, a very worthy cause benefits as well.

EXCLUSIVE BUYER PROTECTION PLAN:

Buy Any One of Our Listings and if YOU Are Not Satisfied Within 18 Months, "WE'LL BUY IT BACK!"

Buying a home is a huge decision - one you literally have to live with! When you buy a home through The Dave Merat Team, we strive to find you the perfect home -- one you'll be happy with for years to come. You see, we have many unique systems especially for our buyers which allow us to quickly zero in on exactly what you're looking for and help you beat out other buyers to the best new listings.

We go the extra mile for our buyers - even AFTER you've purchased your home!

But if it doesn't work out, your satisfaction is still guaranteed. We set ourselves apart from other agents by offering our buyers our unique and unparalleled Buyer Protection Plan. If, for whatever reason, you become dissatisfied with the home you purchased within 18 months, we'll buy it back from you!

This means that when you buy through The Dave Merat Team, you can do so knowing there's a safety net under you. If you're not happy with your home purchase within 18 months, we'll buy it back!

To receive a free report which explains this offer in more detail, please fill out the form on this page.

Save thousands for Buyer

Homebuyers: How to Save Thousands of Dollars When You Buy

Get FREE Instant Access by completing the form on this page.

If you're like most homebuyers, you have two primary considerations in mind when you start looking for a home. First, you want to find the home that perfectly meets your needs and desires, and secondly, you want to purchase this home for the lowest possible price.

When you analyse those successful home buyers who have the experience to purchase the home they want for thousands of dollars below a seller's asking price, some common denominators emerge. Negotiating skills are important, but there are three additional key factors that must come into play long before you ever submit an offer.

This topic has been the subject of extensive analysis by industry experts, and a summary of their findings, and a specific step-by-step purchase plan for homebuyers, can be found in a new special report called "Homebuyers: How to Save Thousands of Dollars When You Buy".

This FREE report outlines the psychology of how a seller sets their asking price, and gives you 3 simple steps to follow, before you even set foot in a seller's home, which will ensure you are able to successfully slash thousands of dollars off the price of the home you want.

Order this report NOW to find out how you can save thousands of dollars when you buy a home.

Find Out What Your Home Is Really Worth!

FREE Quick Online Home Evaluation

Knowing what your home is worth is important information to have if you are thinking of selling your home.

By providing your address and a brief description of your home, the system will conduct a thorough comparative market analysis by searching the database for similar homes listed or sold in your area.

With this current market data, you will be able to determine what your home might sell for if you decided to put it on the market.

There is no cost or obligation for this valuable service.

For your FREE Home Evaluation, please provide the information requested.

First time home buyer

Buying house first time is very exciting and joyful but some time it can be little stressful as well. You should be fully aware of the whole procedure ,cost associated and all other requirements from pre approval of the mortgage to the closing of the house.Below is the step by step guide to prepare yourself for buying your dream home.

GATHERING DOCUMENTS:

First step is to Gather all the documents Required to meet mortgage Broker/Advisor.Which includes but not limited to below:

Before start your search for your dream house ,you should know how much mortgage you can lend from The lender.This will help in making your Budget and Price Range for the Purchase of your House.It will save your Time and Efforts.

LEARN ABOUT EXPENSES

Apart from down payment ,There are other expenses which are described below

Home Inspection fees

Mortgage Broker Fees (If Applicable)

Land Transfer Tax (Use Land Transfer tax calculator )

Title Insurance

Lawyer Fees

Property Tax Adjustment

Lawyer can give you exact Cost of Land Transfer tax,Lawyer fees and Title Insurance .Home inspection price Range from 350 to 600 Depend on the size of the House.

SEARCHING PROPERTIES

Once you know the price Range ,You can Start your Search Based on geographical location ,your job commute ,schools and any public transportation etc.you can ask Realtor for more information.

READY TO OFFER

Once you like any property ,everything is under your criteria ,do not wait to put an offer..Always make sure to put conditional offer for Mortgage approval and Home Inspection.Even Though You are pre approved for mortgage it is always good to put Clause.

MORTGAGE INSURANCE

When Buyer put less than 20 percent down payment .Lender take Mortgage insurance and Buyer has to pay for Insurance premium .It varies with percentage of down payment .For calculation please refer CMHC Calculator .Some lenders ask to pay HST Upfront for Mortgage insurance premium. Premium is added to the mortgage amount .

DURING CLOSING PERIOD:

Once the offer is accepted and firm ,you need to Arrange the lawyer .You can ask Realtor working for you or use your own Resources .Home insurance needs to Arrange atleast one week before the closing.Home insurance companies may ask series of questions regarding the property .you can always ask your Realtor if you do not have any information available.You need to call your local utility providers to set up your accounts .You should arrange movers at least 3 weeks prior to closing as it is hard to find movers during peak time.

You may consider to buy new furniture and other stuff .Generally Buyer has opportunity to visit property 2 more times before closing.You can keep one closing around 2 weeks prior to closing and another one one or two days prior to closing ..Second visit is very important ,you along with your Realtor must observe if everything is ok (no damage to the property or any fixture which is the part of the agreement or any fixture which is part of agreement is removed from the property). If you find any issue report immediately to your lawyer along with evidence to support so that he can take necessary action before closing.

AFTER CLOSING

As First home Buyer ,you may not be aware of small things you need to take care on monthly or yearly basis .Make note of A/C ,Furnace Service inspections and duct cleaning services .It is always good to have small tool kit at home to fix minor repairs .There is no need to panic due to minor repairs .It is part of regular maintenance.
ENJOY YOUR NEW HOME !!!

FREE PRE HOME INSPECTION REPORT

Selling home in Buyer market is some time challenging and take longer than usual time to sell the house.To make Buyer confident while putting an offer it is advisable to have Home inspection done before listing the house in the Market.By Doing Pre Home inspection,As a seller you become aware of any deficiency/damage in the house and can be repaired /replace before listing the house for sale .This can save lot of time and helps in getting Qualified Buyer for the property.Sometime Buyer especially First Time Home Buyers get confused with the deficiencies found in Home inspection and they back off from the property.

To appreciate seller ,I offer free pre Home inspection when you sell house with me .it can save your home inspection expenses and make you aware of any deficiency needs to be taken care of.

REFFERAL PROGRAM

Real estate business is mainly referral business and client refer to the real estate professional based on the trust ,professional and honest service they received from their real estate agent .As a token of appreciation , I always offer Referral incentive to refer me to your friends or family . please contact me to find out more details about the referral program . I can assure you, you or to whom you will refer will not be disappointed from my services

Staging

Dear, we know that there is lot of good information available on the internet but that information is just a concept. Every house has a unique layout, unique colors, and unique decor so every house needs an expert advice for a further better look. I respect your taste and set up but when we have to list the property, we might need to take others opinion.

Staging will always remain as one of the key factor to get Top Value and a Quicker Sale of your House.

Staging material like, Wall Hangings, Modern and Elegant Rugs, Beautiful Flower Vases, Bathroom Decor, Cozy and Colorful Throws, Bedrooms Decors, Side Lamps-----all will be a part of our listing.

For staging, If we decided that the house need some furniture as well, we can certainly discuss and we do have some in-house furniture at no additional cost .

Yes I will be happy to provide you with my expert advice and truthful opinion and can even get the required changes done from my own team members. Why struggle to find other renovators or stagers when I can provide you my team services at a minimum cost and Hassel Free. !!!!!!!!!!!!

Rearranging Your Layout

Dear, we know that there is lot of good information available on the internet but that information is just a concept. Every house has a unique layout, unique colors, and unique decor so every house needs an expert advice for a further better look. I respect your taste and set up but when we have to list the property, we might need to take others opinion

With my expert advice, I will guide you step by step, the changes if required in your house e.g I will discuss with you about the items required to eliminate so as to declutter the house which will create room for imagination for the buyers.

Some furniture from bedrooms or other parts of the house, if it can be moved to the basement or to the garage will open up some space and the house will look spacious and clean.

Your bedroom layout , your living room layout can be rearranged so it can give a better look, spacious and picturesque.

Some of your decor collections which you might have collected in the past so many years, some of them we might have to rearrange or even relocate to give a good breathing space and let the buyers imagination to flow.

Yes I will be happy to provide you with my expert advice and truthful opinion and can even get the required changes done from my own team members. Why struggle to find other renovators or stagers when I can provide you my team services at a minimum cost and Hassel Free. !!!!!!!!!!!!

Repairs and Renovations

Dear, we know that there is lot of good information available on the internet but that information is just a concept. Every house has a unique layout, unique colors, and unique decor so every house needs an expert advice for a further better look. I respect your taste and set up but when we have to list the property, we might need to take others opinion

Small repairs like----squeaky closet doors, new silicon caulking in all bathroom, any fused bulbs or broken light, leaking faucet, broken or missing blinds, or any other repairs must be fixed before the listing.

I will suggest that if we can replace old style of light fixtures with a little better looking but inexpensive ones, it will positively give us fruitful results.

Modern Faucet in the kitchen, new protruded sinks and new elegant faucets if required, framed mirrors in all bathrooms can improve the house updated to another level. All the mentioned updates are not expensive at all and it will rather add lot of value to your house.

Now if the house owner is willing to chip in some more money to get the most value of their house, we can even replace the toilet bowls, much better counter tops (Granite tops if required) and more.

Yes I will be happy to provide you with my expert advice and truthful opinion and can even get the required changes done from my own team members. Why struggle to find other renovators or stagers when I can provide you my team services at a minimum cost and Hassel Free. !!!!!!!!!!!!

Paint Job and Handy Mans Tasks

Dear, we know that there is lot of good information available on the internet but that information is just a concept. Every house has a unique layout, unique colors, and unique decor so every house needs an expert advice for a further better look. I respect your taste and set up but when we have to list the property, we might need to take others opinion

Painting the main front door, some paint touch ups, are absolutely inexpensive and most valuable return. Paint job will not only make your house look clean, picturesque and modern but will be liked by most of the potential buyers.

During Buyers visit, the Foyer area sets the tone for a positive first impression of the house. As they take some time to remove their foot wear, they gets enough time to notice stains and scratches on the baseboards of surrounding area. So the Foyer area must be clean or even freshly painted.

I know that most of the time it is not a wise idea to paint the entire house, we can always paint the high traffic area, sometimes kitchen is a must, may be one or two wall in a bedroom to give some color and excitement in the overall outlook.

Small holes and any minor damages on the drywall must be repairs as well.

Yes I will be happy to provide you with my expert advice and truthful opinion and can even get the required changes done from my own team members. Why struggle to find other renovators or stagers when I can provide you my team services at a minimum cost and Hassel Free. !!!!!!!!!!!!

Franchise Opportunities

The Empire Realty Point is proud to be a master franchisee of one of the largest chicken restaurant chains in the world, with over 1,700 locations in 29 states and 23 global markets.

If your corporate clients are looking to get into quick service restaurant franchise business, The Empire Realty Point has a lot to offer. Our strategic business system is designed to foster expansion and support our agents and new franchisees every step of the way.
So, join us and let us put you on the path of excellence.

Ontario Commercial

Zero Down Program

Buy House With Zero Down Program

BUY HOUSE WITH LITTLE OR NO MONEY DOWN PAYMENT

What is Buy House With Zero Down Program?

A new home ownership program allows qualified buyers to buy a home with a zero or very low down payment.

How to Buy House With Zero Down Program?

You may have owned a home before and are presently renting, or maybe you are a first time homebuyer and need a way to break into the housing market, but held back because you thought you required $20,000, $30,000 or even more for a down payment.

Well, regardless of your present situation, if you want to get into or re-enter the housing market with a lower amount, or even without a cash down payment at all, then this program may be the just what you're looking for.

Why pay your landlord's mortgage when you can be building your own equity?

It is a Catch-22 situation. You cannot buy a home because you don't have enough down payment ; You don't have enough down payment because you have to pay a big part of your income in rent. If you are currently renting and trying to accumulate enough down payment, you have two options:

Keep paying your Landlord's mortgage, by paying rent while trying to save the required down payment.

OR

Buy your home using this program and start building your equity now.

Who is eligible?

As with any good program, not everyone is eligible to gain the benefits of this wonderful program. Let us figure out if you are eligible under this program.

Let's get started !! Please complete the Inquiry form.

Rent To Own

Buy House With Rent To Own

What is RENT TO OWN?

Rent to Own is an innovative way to purchase your own Home and is a great alternative for people who otherwise are unable to do so at this time. Rent To Own is a WIN-WIN opportunity for all the parties involved.

Why Rent To Own?

Home ownership is primary goal for most Canadians - both for raising their family and as a source of building their wealth and securing their family's future. But as a result of confusing mortgage rules or lack of knowledge, a lot of people end up paying their landlord's mortgage by paying them rent month after month. Rent to Own program provides you an alternative to the traditional home buying process.

Benefits of Rent To Own?

Rent to Own program provides you with an opportunity to buy some time to fix/build your bruised/non-existing credit and/or to save enough funds for your Down Payment. So, why not start enjoying your house now rather than waiting to fix/build your credit or save enough down payment and then moving into your house !

Who is Rent To Own for?

This program is specifically designed for people who are unable to qualify for a traditional mortgage, but are eager to move into their own home. There may be different reasons why they are unable to qualify at this point, for e.g.:

Bad Credit

No Credit History

New to the Country

Self-Employed

Not enough cash for Down Payment

Past Bankruptcy

Anyone in any of the above situations can benefit from this program. They can start to live in their own home while fixing the above issues.

How does Rent To Own work?

Simply put, you would be renting a property for an agreed upon term, pay the rent and continue to save for the down payment of your eventual home purchase. At the end of the term, you arrange your financing and become the legal owner of the home. Below is the step by step explanation of how this program would work:

You submit your information to us

We would analyze your situation and present your case to one of our many investor clients

Once approved by the investor, you work with one of our experienced Realtors to find the house of your dreams and within your budget

We would negotiate the price for the home and have the home purchased by our investor client

You will sign a Rent To Own agreement and a Standard Lease Agreement(Ontario) with the investor client

You will move into your home and start to pay the rent and start to save for the down payment of your home purchase at the end of the term

At the end of the term, the title of the home is transferred to your name and you become the legal owner

What is your Fee?

The best part of this program is that you do not have to pay us any extra fee for helping you buy your home. We are satisfied with the commissions we earn by buying and selling the properties.

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